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Mufasa Insurance Agencies arranges stock floater insurance across Mombasa County - Mombasa, Nyali, Bamburi, Likoni and every town in between. Mombasa is Kenya's port and the entry point for most of the country's imports, which makes it the centre of the marine and cargo insurance market. With port and cargo traffic, manufacturing and tourism driving the local economy, the cover that makes sense here is specific to Mombasa. We are IRA-licensed, we place with Kenya's major underwriters, and quotes come back the same working day over WhatsApp.
Why Mombasa Is Different
Cargo handling, storage and inland transit generate the highest marine claim volumes in Kenya. Salt air accelerates corrosion on vehicles and machinery, and low-lying areas of the island and Nyali flood in the long rains. Tourism creates seasonal public liability exposure. We tell you upfront which of those perils a standard wording covers and which need a specific extension, so nothing surprises you at claim stage.
Holiday and rental properties in Mombasa Island and Nyali often sit empty for long stretches. Most policies restrict cover after 30 to 60 consecutive days unoccupied, and an undeclared vacancy is a leading reason burglary claims are refused. Declare it and we will place it with an insurer who accepts it.
Stock Floater claims are scaled down when the sum insured is below the true rebuild or replacement value - the average clause. We work the figure out with you at inception, and revisit it each renewal.
Coverage Details
Cover automatically adjusts to your declared stock value each period.
Stock held across warehouses, branches, and depots under one policy.
Loss or damage from fire, flooding, and other insured perils while in storage.
Goods moving between your own locations against loss or damage.
The Process
Tell us your typical and peak stock holding across all locations.
Submit simple stock declarations so your cover always matches what's actually on hand.
In the event of loss, your claim is settled against the stock value declared for that period.
Questions
Send us a WhatsApp message or call +254 117 435 865 with the basic details of what you need covered. We come back with quotes from several underwriters the same working day, you pick one, pay by M-Pesa or bank transfer, and we issue the documents. Nothing requires you to travel to Nairobi.
We are based in Runda, Nairobi and serve Mombasa County remotely, which is how most insurance in Kenya is now arranged. Quotes, payment and document issue all happen by phone, WhatsApp and email. When there is a claim, assessors are appointed locally in Mombasa.
Same day in most cases. Motor certificates, travel certificates and medical cover notes are issued electronically as soon as payment reflects, so you are covered before the documents reach your inbox.
A standard Fire policy uses a fixed sum insured. Stock Floater adjusts to your fluctuating stock levels, so seasonal businesses don't overpay or underinsure.
Most insurers allow an average-based settlement if declarations lapse briefly, but consistent declarations get you the most accurate claim payout.
Yes, Stock Floater is designed for exactly this, multiple locations under a single schedule and premium.
Free quotes from several underwriters, back the same working day. Pay by M-Pesa and your documents are issued electronically.